The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$3,113
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,210
−HK$98/mo
Today · 4.125%
HK$3,308
baseline
▲ 0.50% · 4.625%
HK$3,509
+HK$201/mo
Deposit HK$683K · loan HK$683K · min. income ≈ HK$6,616/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,463
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,556
−HK$94/mo
Today · 4.125%
HK$3,650
baseline
▲ 0.50% · 4.625%
HK$3,843
+HK$193/mo
Deposit HK$683K · loan HK$683K · min. income ≈ HK$7,300/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,736
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,852
−HK$118/mo
Today · 4.125%
HK$3,970
baseline
▲ 0.50% · 4.625%
HK$4,211
+HK$241/mo
Deposit HK$546K · loan HK$819K · min. income ≈ HK$7,940/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,156
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,267
−HK$113/mo
Today · 4.125%
HK$4,380
baseline
▲ 0.50% · 4.625%
HK$4,611
+HK$231/mo
Deposit HK$546K · loan HK$819K · min. income ≈ HK$8,760/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,358
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,494
−HK$137/mo
Today · 4.125%
HK$4,631
baseline
▲ 0.50% · 4.625%
HK$4,913
+HK$282/mo
Deposit HK$410K · loan HK$956K · min. income ≈ HK$9,262/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,848
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,978
−HK$132/mo
Today · 4.125%
HK$5,110
baseline
▲ 0.50% · 4.625%
HK$5,380
+HK$270/mo
Deposit HK$410K · loan HK$956K · min. income ≈ HK$10,220/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,603
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,778
−HK$177/mo
Today · 4.125%
HK$5,955
baseline
▲ 0.50% · 4.625%
HK$6,317
+HK$362/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$11,910/mo (50% DSR)
Upfront cash ≈ HK$137K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,234
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,401
−HK$169/mo
Today · 4.125%
HK$6,570
baseline
▲ 0.50% · 4.625%
HK$6,917
+HK$347/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$13,140/mo (50% DSR)
Upfront cash ≈ HK$137K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).